System and Method for defense ID theft attack security service system in marketing environment

• US 20090018934A1
• Filed: 05/15/2007
• Published: 01/15/2009
• Est. Priority Date: 05/15/2007
• Status: Abandoned Application

• Current Assignee: Chaorong Peng, John Hortis
• Original Assignee: Chaorong Peng, John Hortis
• Inventors: Hortis, John, Peng, Chaorong
• Application Number:
  US11/749,062
• Publication Number:
  US 20090018934A1
• Time in Patent Office: Days
• US Class Current: 705/30
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Each service system with a variety of databases in marketing environment maintains and audits purchasing transaction data to look for ID theft and transmits suspicion events to security service system which is attached to marketing environment. Security service system maintains status data and identifies information including biometric identity, portable device identity, and message to defeat ID-theft attacking. Identifying events is transmitted to service systems for derived information to reflect operation. Services systems include Insures Service Systems, Bank Service Systems, Business Service Systems, and Portable Devices under Security Service Systems monitoring in marketing environment. And also a portable device with a local CPU, memory, I/O interface, wireless network and a host interface provides user for purchasing transaction with merchant. A portable device retains pertinent purchasing transaction data and establishes personal account in memory to aid person analyzes with the collected data and identify potential ID theft attacks in the marketing environment.

Claims

1. A system and method for defense ID-theft attack security service system comprising:

(a) at least four systems said service systems and at least one portable device processor comprising one or more processing elements; and

wherein said service system processor is in communication with a plurality of database systems stored digital data and wherein said the service system and processor is programmed or adapted; and

wherein a communication interface comprises a receiver that receives inbound communication from a communication channel associated with communication interface said wired network interface and said wireless network interface; and

wherein said portable device processor is controlled by Central Process Unit (CPU) said CUP; and

wherein said portable device processor is programmed or adapted; and

wherein portable device is in communication with data in memory stored digital data; and

wherein a communication interface comprises a antenna that receives inbound communication from a communication channel associated with communication interface said wireless network interface;

(b) at least four service systems collect data from at least one of service systems and at least one of portable devices and wherein collect data further comprising;

analyzing data from at least one of service system and at least one of portable devices to identify potentially ID theft attack events represented in the data;

wherein in the data is identified by a determination device as part of a service system;

transmitting identification information to third host said computer of third service systems;

wherein third service systems based on the empirically derived information to reflect operation;

(c) at least one portable device collect data from at least one of service systems and wherein collect data further comprising;

auditing data from at least one of service system are stored in memory of portable device to identify potentially ID theft attack events represented in the data, wherein in the data is identified by a determination device as part of portable device according;

transmitting identification information to third host said computer of third said service systems;

wherein at least one of third service systems based on the empirically derived information to identify potential ID theft attacking and transmit identity events to other third service systems;

wherein in other third service systems based on the empirically derived identity events to reflect operation;

(d) wherein at least one service system further comprising;

offering at least one portable device to customer for purchasing goods or service is made by at least one service system said Insures Service System;

(e) wherein at least one service system further comprising;

providing digital representations of credit card information to customer said who uses a portable device is made by a service system said bank service system said payee'"'"'s bank service system of the authenticity of the credit card number;

(f) wherein at least one service system further comprising;

providing digital representations of account information to customer said who uses a portable device is made by a service system said bank service system said payer'"'"'s bank service system of the authenticity of the account number;

(g) wherein at least one service system further comprising;

offering goods or service with at least one device said computer or machine to customer who uses a portable device is made by merchant;

wherein computer or machine is as part of at least one service system;

offering computer or machine to merchant for pertinent transaction with customer said who uses a portable device is made by at least one service system said business service system;

(h) wherein at least one service system further comprising;

defeating potential ID theft attack in marketing environment is made by at least one service system said security service system;

(i) wherein at least one service system further comprising;

ensuring maintaining purchasing transaction data to establish personal account information is made by a portable device said Automatic Management Personal Account device (AMPA device).

2. A system and method for defense ID-theft attack security service system in claim 1, wherein (d) at least one service system said insures service system further comprising:

a plurality of database systems stored digital data; and

providing register portable device service said registered AMPA device service to a customer;

providing digital representation of portable device unique identity said AMPA device identity to a portable device said AMPA device for user said an AMPA device of user is made by at least one service system said insures service system of the authenticity unique portable device identity said AMPA device identity;

at least one embodiment of device said determination device as a part of at least one service system said insures service system;

wherein at least one determination device further comprising;

verifying received digital data said received message from third service systems to prevent ID theft attacking;

charging service fee said service fee for at least one portable device said AMPA device from at least one service system said business service system;

assuring payment to at least one service system said business service system.

3. A system and method for defense ID-theft attack security service system in claim 1, wherein (e) at least one service system said payee'"'"'s bank service system further comprising:

a plurality of database systems stored digital data; and

at least one embodiment of device said determination device as a part of payee'"'"'s bank service system;

wherein at least one determination device further comprising;

identifying said credit card identity during customer said an AMPA device of user purchases transaction with said merchant processing;

transmitting statement to a customer said an AMPA device of user who purchases goods or service with said credit card identity;

ensuring payment to at least one service system said insures service according to portable device identity said AMPA device identity;

obtaining payment from a customer said an AMPA device of user who purchase goods or service with said credit card identity; and

evaluating said credit report according to payment of customer said an AMPA device of user who purchase goods or service with said credit card identity to at least one service system said security service system.

4. A system and method for defense ID-theft attack security service system in claim 1, wherein (f) at least one service system said payer'"'"'s bank service system further comprising:

A plurality of database systems stored digital data. And at least one embodiment of device said determination device as a part of payer'"'"'s bank service system;

wherein at least one determination device further comprising;

identifying potential ID theft attacking in digital represent of Electrical Text;

transmitting statement to at least one customer said an AMPA device of user who deposits funds, payment or withdrawal funds with said personal account information;

transferring payment funds from said personal account of customer said an AMPA device of user to said payee'"'"'s bank service system according to digital representation of Electrical Text said Electrical Payment Check of customer said an AMPA device of user;

providing machine said ATM machine said Changing ATM machine to connect with at least one portable device said AMPA device for customer who wants withdrawing money from machine said ATM machine said Changing ATM machine according to digital representation of Electrical Text said Electrical Withdrawal of customer who uses an AMPA device withdrawal.

5. A system and method for defense ID-theft attack security service system in claim 4, wherein at least one machine said Changing ATM Machine further comprising:

an embodiment device said display which shows how much money was taken by customer said an AMPA device;

an embodiment device said money output where customer said an AMPA device of user takes cash;

an embodiment device said host interface, which is controlled by CPU of computer in at least one service system said bank service system said payer'"'"'s bank service system, connects with another one host interface of a portable device of user said AMPA device of user via cable communication said wired communication.

6. A system and method for defense ID-theft attack security service system in claim 1, wherein (g) at least one service system said business service system further comprising:

a plurality of database systems stored digital data; and

at least one embodiment device as part of said business service system said computer or machine with said an host interface connects with another one host interface of a portable device of user said AMPA device of user via cable said wired communication;

at least one embodiment system as part of business service system said Internet or said by telephone communication said wireless communication with said an AMPA device of user;

wherein computer or machine are provided to merchant for offering goods or service at an arbitrary place;

wherein at an arbitrary place further comprising;

at Shop Mall, Shop, at station said Gas Station, Online said using Internet, by telephone etc, and at station said ATM service station.

7. A system and method for defense ID-theft attack security service system in claim 6, wherein host interface of said computer or said machine further comprising:

receiving digital represent information said credit card information from at least one portable device of user said AMPA device of user via cable said wired communication; and

transmitting message said credit card information to third service system said bank service system said payee'"'"'s bank service system.

8. A system and method for defense ID-theft attack security service system in claim 6, wherein machine further comprising:

using machine said Gas Machine said Changing Gas Machine to provide gas to at least one customer said AMPA device of user;

wherein Changing Gas Machine further comprising;

an embodiment device said display shows how much gasoline are taken by at least one customer said AMPA device of user;

an embodiment device said host interface as part of machine said Gas Machine said Changing Gas Machine in a service system said business service system is provided to connect with another host interface of at least one portable device said AMPA device via cable said wired communication.

9. A system and method for defense ID-theft attack security service system in claim 1, wherein (h) at least one service system said security service system further comprising:

A plurality of database systems stored digital data;

And at least one determination device as part of at least one service system said security service system;

wherein determination device comprising;

collection and analyzing data said in received message to identify potentially ID theft attack events and acquires identity events represented in data said in received message;

transmitting information about said identity events to host said computer of third service systems in said defense ID-theft attack security service systems; and

third service system based on empirically derived information said identity events to reflect operation;

wherein to identify potentially ID theft attack events further comprising;

identifying whether said an AMPA device is registered in defense ID-theft attack security service system;

identifying whether customer said an authority user having the use a registered said AMPA device in defense ID-theft attack security service system;

identifying whether received message is valid in defense ID-theft attack security service system;

wherein received message further comprising;

received receipt from at least one portable device of user said AMPA device of user, received digital representations of Electrical Text said Electrical Payment Check or said Electrical WithDrawal from at least one portable device of user said AMPA device of user; and

received complains message from at least one third service systems, or at least one portable device of user said an AMPA device of user in defense ID-theft attack security service system.

10. A system and method for defense ID-theft attack security service system in claim 1, wherein (i) at least one portable device said AMPA device further comprising:

(a) with a Central Process Unit (CPU) said CUP control digital data processing in a portable device said an AMPA device;

(b) memory is controlled by said Central Process Unit (CPU) to manager electrical file;

(c) an embodiment device said power switch is turned on/off by authorized user for opening or closing said electrical file in memory of portable device said an AMPA device;

(d) an embodiment device said wireless networks interface that connects with Central Process Unit (CPU) is structured to transmit the communication to at least one service system via wireless network;

(e) an embodiment device said host interface that connects with CPU is structured to transmit digital data to a host interface device embodiment in at least one service system said business service system via cable said wired communication;

(f) an embodiment device said touch-screen interface connect with Central Process Unit (CPU) to display function both said as a memory display and said a data input device;

(g) an embodiment device said a stylus pen is used to input or write digital data on screen said the touch sensitive screen;

(h) an embodiment device said Array key interface connect with Central Process Unit (CPU) to choose and display electrical file in memory of said AMPA device.

11. A system and method for defense ID-theft attack security service system in claim 10, wherein said display further comprising after said step (f):

accepting the Biometric Identity includes electrical recognizing or capturing the graphic nature of the signature;

the Biometric Identity captures also displays the Biometric Identity captures as it is being written; and

writing Biometric Identity with said stylus pen and CPU transmits digital represent image data said Biometric Identity said signature appending portable device unique identity said an AMPA identity digital data to at least one service system via said wireless network interface.

12. A system and method for defense ID-theft attack security service system in claim 10, wherein said electrical file further comprising after said step (b):

maintaining said personal account file in memory of a portable device of user said AMPA device of user.

13. A system and method for defense ID-theft attack security service system in claim 12, wherein said personal account file comprising:

(a) said Identify File;

(b) said Number File;

(c) said Credit Report File;

(d) said Message File;

(e) said Credit Card Identity File;

(f) said Receipt File;

(g) said Total Charges Files;

(h) said Electrical Payment Check File;

(i) said ATM Electrical WithDrawal (EWD) File; and

(j) said Personal Bank Account File.

14. A system and method for defense ID-theft attack security service system in claim 13, wherein said Identify File further comprising after said step (a):

storing identity said an AMPA identity, source address said an AMPA IP address and destination IP address said service systems addresses to provide addresses for transmitting packets which is appended said AMPA identity, source address said an AMPA IP address and destination IP address from source address said an AMPA address to destination addresses said service systems addresses.

15. A system and method for defense ID-theft attack security service system in claim 13, wherein said Number File further comprising after said step (b):

storing Digital Number to support software program process Digital Number to create digital representation of image Digital Data into Electrical Text by said an AMPA device operation; and

storing Letter Number to support software program process Letter Number to create digital representation of image Letter Data into Electrical Text by said an AMPA device operation.

16. A system and method for defense ID-theft attack security service system in claim 13, wherein said Credit Report File further comprising after said step (c):

storing credit report information from at least one service system said security service system to report said an AMPA device of user action behavior during purchasing transaction with said merchant processing.

17. A system and method for defense ID-theft attack security service system in claim 13, wherein said Message File further comprising after said step (d):

storing message information from at least one service systems to save message into corresponding electrical file and also to responds message with answering said respond type to third service systems.

18. A system and method for defense ID-theft attack security service system in claim 17, wherein said responds type further comprising:

said confirmed to accept receipt which purchasing transaction with said merchant events;

said denied to refuse receipt which purchasing transaction with said merchant events;

said cancelled to invalid receipt which purchasing transaction with said merchant events;

said complain to some unclearly digital data represent in message data.

19. A system and method for defense ID-theft attack security service system in claim 13, wherein said Credit Card Identity File further comprising after said step (e):

(a) storing digital representation of credit card identity information from at least one service system said bank service system said payee'"'"'s bank service system to be chose by a customer said an AMPA device of user for purchasing goods or service; and

(b) storing digital representation of data of at least one service system said security service system to provide communication with security service system for customer said AMPA device of user.

20. A system and method for defense ID-theft attack security service system in claim 19, wherein said credit card identity information further comprising after said step (a):

storing at least one digital representations of credit card number said identity and digital representations of data said credit card expire date are all authenticated by at least one service system said bank service system said payee'"'"'s bank service system; and

storing name and telephone number of at least one service system said bank service system said payee'"'"'s bank service for communication by telephone; and

storing said website address of at least one service system said bank service system said payee'"'"'s bank service to search more information said payee'"'"'s bank information online.

21. A system and method for defense ID-theft attack security service system in claim 19, wherein said security service system information further comprising after said step (b):

storing name and telephone number of at least one service system said security service for communicate by telephone; and

stored website address of at least one service system said security service to search more information said at least one service said security service information online.

22. A system and method for defense ID-theft attack security service system in claim 13, wherein said Receipt File further comprising after said step (f):

storing receipt information from at least one service system said bank service system said payee'"'"'s bank service system and saving responding message said receipt information in Receipt File to maintain purchasing transaction data evidence for defense ID theft attacking.

23. A system and method for defense ID-theft attack security service system in claim 13, wherein said Total Charges Files further comprising after said step (g):

storing said total current charges information that is calculated by software program in said an AMPA device in order to said receipt information in file said Receipt File.

24. A system and method for defense ID-theft attack security service system in claim 13, wherein said Electrical Payment Check File further comprising after said step (h):

storing (a) Electrical Payment Check (EPC) credit card identity number N information to help said an AMPA device of user search payment history and storing (b) Creating Electrical Payment Check to support a software program for creating Electrical Payment Check to make payment with said an AMPA device of user.

25. A system and method for defense ID-theft attack security service system in claim 24, wherein said EPC credit card identity number N information further comprising after said step (a):

storing (a) digital represent of data said Confirmed EPC information to help said an AMPA device of user search received EPC information from service systems and storing (b) digital represent of data said Sent EPC information to remain that said an AMPA device of user had sent payment check to third service systems.

26. A system and method for defense ID-theft attack security service system in claim 25, wherein said Confirmed EPC information further comprising after said step (a):

storing received statement with said Confirmed EPC data from at least one service system said bank service system said payer'"'"'s bank service system.

27. A system and method for defense ID-theft attack security service system in claim 25, wherein said Sent EPC information further comprising after said step (b):

storing sent digital represent image data said Electrical Text said Electrical Payment Check (EPC) which transmits digital represent image data said Electrical Text said Electrical Payment Check (EPC) from said an AMPA device of user to third service systems.

28. A system and method for defense ID-theft attack security service system in claim 24, wherein said Creating Electrical Payment Check further comprising after said step (b):

supporting software program to create Electrical Text said Electrical Payment Check (EPC) steps to generate an Electrical Text said Electrical Payment Check (EPC) for payment to a payee'"'"'s bank service system under CUP controlling in said an AMPA device of user;

wherein creating Electrical Text said Electrical Payment Check (EPC) steps further comprising;

creating digital representations of credit card information embeds in Electrical Text said EPC;

creating digital representations of payment date in order to said Digit Data file embeds in Electrical Text said EPC;

creating digital representations of said In Payment Order in digital image of said letter data in order to said Letter Number file embeds in Electrical Text said EPC;

creating digital representations of said In Payment Order in digital data of image said digital data in order to said Digit Number File embeds in Electrical Text said EPC;

creating digital representations of account number said account information in order to Bank Account File embeds in Electrical Text said EPC; and

creating digital representations of payer'"'"'s signature embeds in Electrical Text said EPC.

29. A system and method for defense ID-theft attack security service system in claim 13, wherein said ATM Electrical WithDrawal (said EWD) File further comprising after said step (i):

storing digital data said (a) ATM EWD Account Number N information to help said an AMPA device of user search withdrawal information history and Creating (b) Electrical WithDrawal (EWD) to support software program for creating Electrical Text said EWD to said an AMPA device of user withdrawal from ATM machine said Changing ATM machine.

30. A system and method for defense ID-theft attack security service system in claim 29, wherein said ATM EWD Account Number N information further comprising after said step (a):

storing digital data said (a) Confirmed EWD file to help said an AMPA device of user search received withdrawal information from service systems and storing (b) Sent EWD file to remain that an AMPA device of user had sent electrical withdrawal to third service systems.

31. A system and method for defense ID-theft attack security service system in claim 30, wherein said Confirmed EWD file further comprising after said step (a):

Storing message said Confirmed EWD message from service system said payer'"'"'s bank service system.

32. A system and method for defense ID-theft attack security service system in claim 30, wherein said Sent EPC file further comprising after said step (b):

Storing said sent Electrical Text said Electrical WithDrawal (EWD) which transmits digital presentation of said an Electrical Text said Electrical WithDrawal (EWD) by said an AMPA device of user to third service systems.

33. A system and method for defense ID-theft attack security service system in claim 29, wherein said Creating Electrical WithDrawal (EWD) further comprising after said step (b):

supporting software program to create Electrical Text said Electrical WithDrawal (EWD) steps to generate an Electrical Text said Electrical WithDrawal (EWD) for withdrawing money from account of a withdrawer said an AMPA device of user to a ATM machine said Changing ATM machine which connects with said an AMPA device;

wherein creating Electrical Text said Electrical WithDrawal (EWD) steps further comprising;

creating digital representations of bank account information embeds in Electrical Text said EWD;

creating digital representations of withdrawal date in order to said Digit Number File embeds in Electrical Text said EWD;

creating digital representations of said In Withdraw Order in digital image of letter data in order to said Letter Number File embeds in Electrical Text said EWD;

creating digital representations of said In Withdraw Order in digital data of image digital data in order to said Digit Number File embeds in Electrical Text said EWD; and

creating digital representations signature of withdrawer embeds in Electrical Text said EWD.

34. A system and method for defense ID-theft attack security service system in claim 13, wherein said Personal Bank Account File further comprising after said step ( ):

storing (a) digital representation of Bank Account Information is provided by at least one service system said bank service system said payer'"'"'s bank service system to an AMPA device of user for payment with account information or withdrawal money from machine said ATM machine said Changing ATM machine; and

storing (b) calculating Bank Account Balance accords to said Electrical Payment Check and said Electrical WithDrawal by software process in said an AMPA device.

35. A system and method for defense ID-theft attack security service system in claim 34, wherein said Bank Account Information further comprising after step (a):

storing digital representations of account information from at least one service system said bank service system said payer'"'"'s bank service system;

storing at least one digital representations of account number said identity is authenticated by at least one service system said bank service system said payer'"'"'s bank service system; and

storing telephone number of payer'"'"'s bank service for communication by telephone; and

storing said website address of payer'"'"'s bank service to search more information said payer'"'"'s bank information online; and

choosing one of account information to payment or withdrawal is made by portable device of user said an AMPA device of user.

36. A system and method for defense ID-theft attack security service system in claim 34, wherein said Bank Account Balance further comprising after said step (b):

storing bank account balance information which is calculated by software of an AMPA device in order to digital data in electrical files said EPC credit card identity number N information and ATM EWD Account Number N information.

37. A system and method for defense ID-theft attack security service system in claim 10, wherein said CUP control digital data processing further comprising after said step (a):

allowing said received message via said wireless interface stores at least one electrical file in said memory;

allowing to selectively accessing at least one electrical file in said memory with said a stylus on said touch screen;

allowing said at least one electrical file in said memory can send out via said wireless interface to at least one service system;

allowing said electrical file move up, down, left, and right by said array keyboard;

allowing said at least one electrical file accesses to next electrical file in memory by next key;

allowing said at least one electrical file accesses to back previously electrical file in memory by back key;

allowing said digital data of at least one electrical file embedding in correspond electrical file in memory by enter key;

allowing said at least one electrical file information is deleted from memory by delete key;

allowing said at least one electrical file information is stored in memory by save key;

allowing said at least one electrical file information is sent to a host said computer of service system by send key; and

allowing said at least one electrical file information is delete in memory by cancel key.

38. A system and method for defense ID-theft attack security service system that application credit card identity said credit card information from at least one service said the bank service said payee'"'"'s bank service which is authenticity of the credit card information is made by applier said a portable device of user said an AMPA device of user over wireless network and comprising:

initial application credit card identity processing, an AMPA device of user offers plural verification information said personal information to at least one service said bank service said payee'"'"'s bank service by telephone or sending letter;

wherein payee'"'"'s bank service utilizes at least one service system said payee'"'"'s bank service system to transmit application information said personal information of applier said an AMPA device of user to at least one service system said security service system;

wherein security service system further comprising;

utilizing a determination device as part of service system of said security service system to identify whether application information is valid according to database said system database said AMPA identity database of service system said security service system;

issuing identification information; and

transmitting identification information to third service system said bank service system said payee'"'"'s bank service system;

wherein said payee'"'"'s bank service system based on derived information said identification information to reflect operation;

wherein said identification information further comprising;

(a) said valid application information; and

(b) said invalid application information.

39. A system and method for defense ID-theft attack security service system in claim 38, wherein at said payee'"'"'s bank service system reflects operation comprising after step (a):

providing bank information said payee'"'"'s bank information in addition to unique credit card identity to applier said an AMPA device of user over wireless network.

40. A system and method for defense ID-theft attack security service system in claim 39, wherein said an AMPA device of user further comprising:

receiving message said payee'"'"'s bank information; and

saving payee'"'"'s bank information in electrical file said Credit Card Identity File in memory of said an AMPA device of user.

41. A system and method for defense ID-theft attack security service system in claim 38, wherein said payee'"'"'s bank service system reflects operation comprising after step (b):

transmitting refusing application information to applier said an AMPA device of user over wireless network.

42. A system and method for defense ID-theft attack security service system in claim 41, wherein said an AMPA device of user further comprising:

receiving message with refusing application information; and

going to service said register AMPA device service for solution problem.

43. A system and method for defense ID-theft attack security service system that application bank account identity said bank account information from at least one service said the bank service said payer'"'"'s bank service which is authenticity of the bank account information is made by applier said a portable device of user said an AMPA device of user with over wired communication and comprising:

initial application bank account identity processing, applier said an AMPA device of user utilizes an embodiment device said host interface of said AMPA device to connect with an embodiment device said host interface of computer of said a service system said bank service system said payer'"'"'s bank service system with said an cable said wired communication; and

offers plural verification information said personal information to at least one service system said bank service system said payer'"'"'s bank service system via said wired communication;

wherein said payer'"'"'s bank service system further comprising;

utilizing at least one service system said bank service system said payer'"'"'s bank service system;

transmitting application information said personal information of applier said an AMPA device of user to at least one service system said security service system.

44. A system and method for defense ID-theft attack security service system in claim 43, wherein said security service system further comprising:

utilizing a determination device as part of service system to identify whether application information is valid;

issuing identification information; and

transmitting identification information to at least one service system said bank service system said payer'"'"'s bank service system;

wherein said payer'"'"'s bank service system based on derived information said identification information to reflect operation;

wherein said identification information comprising;

(a) said valid application information; and

(b) said invalid application information.

45. A system and method for defense ID-theft attack security service system in claim 44, wherein said security service system further comprising after step (a):

transmitting message with valid application information to service system said bank service system said payer'"'"'s bank service system over wired network.

46. A system and method for defense ID-theft attack security service system in claim 45, wherein said payer'"'"'s bank service system comprising:

providing bank information said payer'"'"'s bank information in addition to unique account number to applier said an AMPA device of user over said wired communication.

47. A system and method for defense ID-theft attack security service system in claim 46, wherein said an AMPA device of user comprising:

receiving message with payer'"'"'s bank information; and

saving payer'"'"'s bank information in electrical file said Personal Bank Account File in memory of said an AMPA device of user.

48. A system and method for defense ID-theft attack security service system in claim 44, wherein said security service system further comprising after step (b):

transmitting message with invalid application information to service system said bank service system said payer'"'"'s bank service system over wired network.

49. A system and method for defense ID-theft attack security service system in claim 48, wherein said payer'"'"'s bank service system comprising:

transmitting refusing application information to applier said an AMPA device of user over said wired communication.

50. A system and method for defense ID-theft attack security service system in claim 49, wherein said an AMPA device of user further comprising:

receiving refusing application information; and

going to service said register AMPA device service for solution problem.

51. A system and method for defense ID-theft attack security service system for purchasing of goods or services at shop mall or at Gas Station;

purchasing goods or service is made by at least one customer said AMPA device of user using at least one merchant;

said merchant utilizes at least one computer or machine to offer goods or service over wired communication at shop mall, shop, or at Gas Station;

said computer or machine at shop mall or Gas Station is controlled by at least one service system said business service system;

said an embodiment device said host interface in computer or machine and comprising;

initial purchasing goods or service process, customer said an AMPA device of user utilizes an embedment device said host interface connect with another embodiment of device said host interface of computer or machine of service system said business service system via cable said wired communication;

transmitting message said credit card information to computer of service system said business service system over wired communication.

52. A system and method for defense ID-theft attack security service system in claim 51, wherein said business service system further comprising:

receiving message said credit card information from said an AMPA device of user via cable said wired communication during transaction session; and

transmitting message said credit card information of said an AMPA device of user to service system said bank service system said payee'"'"'s bank service system.

53. A system and method for defense ID-theft attack security service system in claim 52, wherein said payee'"'"'s bank service system further comprising:

utilizing a determination device as part of service system said payee'"'"'s bank service system to receive message said credit card information of customers said AMPA device of users from service system said business service system;

utilizing a determination device as part of service system said payee'"'"'s bank service system to identify whether credit card information is valid according to data in database said system database said credit card database of service system said bank service system said payee'"'"'s bank service system;

issuing identification information; and

transmitting identification information to host said computer or machine of service system said business service system;

wherein said business service system based one derived information said identification information to reflect operation;

wherein identification information comprising;

(a) said valid credit card information; and

(b) invalid credit card information.

54. A system and method for defense ID-theft attack security service system in claim 53, wherein said payee'"'"'s bank service system further comprising after step (a):

transmitting message said identification information said valid credit card information to service system said business service system over said wired network.

55. A system and method for defense ID-theft attack security service system in claim 54, wherein said business service system further comprising:

receiving message said identification information said valid credit card information from service system said bank service system said payee'"'"'s bank service system over wired network;

allowing said an AMPA device of user with credit card information to purchase goods or service; and

calculating receipt data of customer said an AMPA device of user;

saving receipt data in receipt database of service system said business service system; and

transmitting message with receipt data of customer said an AMPA device to service system said bank service system said payee'"'"'s bank service system over wired network.

56. A system and method for defense ID-theft attack security service system in claim 55, wherein said payee'"'"'s bank service system father comprising:

receiving receipt message from said business service system over wired network; and

saving receipt data in receipt database of service system said payee'"'"'s bank service system; and

re-transmitting message with receipt data to said an AMPA device of user over wireless network.

57. A system and method for defense ID-theft attack security service system in claim 56, wherein said an AMPA device of user further comprising:

receiving message said receipt information said receipt data from service system said bank service system said payee'"'"'s bank service system;

saving receipt data in Receipt File; and

respond receipt message with answer said respond type to third service system.

58. A system and method for defense ID-theft attack security service system in claim 53, wherein said payee'"'"'s bank service system further comprising after step (b):

transmitting message said identification information said invalid credit card information to service system said business service system over wired network.

59. A system and method for defense ID-theft attack security service system in claim 58, wherein said business service system further comprising:

receiving message said identification information said invalid credit card information from service system said bank service system said payee'"'"'s bank service system over wired network; and

refusing offering goods or service to said an AMPA device of user.

60. A system and method for defense ID-theft attack security service system in claim 59, wherein said an AMPA device of user further comprising:

transmitting another credit card information for purchasing goods or service to service system said business service system over said wired communication until service system said bank service system said payee'"'"'s bank service refusing finally.

61. A system and method for defense ID-theft attack security service system for purchasing of goods or service over the internet or by telephone;

purchasing goods or service is made by said an AMPA device of user using merchant;

said merchant offering goods or service over internet or by telephone;

at least one computer is provided by at least one service system said business service system to merchant; and

comprising;

initial purchasing goods or service processing;

customer said AMPA device of user provides personal information with credit card information online or by telephone to order goods or service from at least one service system said business service system;

wherein said business service system transmits receipt information appending identity said credit card information and personal information to service system said bank service system said payee'"'"'s bank service system.

62. A system and method for defense ID-theft attack security service system in claim 61, wherein said payee'"'"'s bank service system further comprising:

utilizing a determination device as part of service system said bank service system said payee'"'"'s bank service system to identify whether receipt information is valid according to credit card information in credit card database and personal information in personal information database in service system database said payee'"'"'s bank service system database;

issuing identification information;

based on identification information to reflect operation;

wherein identification information comprising;

(a) valid receipt; and

(b) invalid receipt.

63. A system and method for defense ID-theft attack security service system in claim 62, wherein said payee'"'"'s bank service system further comprising after step (a):

transmitting message with valid receipt data to customer said an AMPA device of user over wireless network.

64. A system and method for defense ID-theft attack security service system in claim 63, wherein said an AMPA device of user further comprising:

receiving message said receipt information said valid receipt data;

saving message said valid receipt data in Receipt File; and

responding message with answering said respond type to third service system.

65. A system and method for defense ID-theft attack security service system in claim 62, wherein said payee'"'"'s bank service system further comprising after step (b):

(a) responding message appending to said invalid receipt data to service system said business service system over wired network and (b) transmitting message appending to said invalid receipt to customer said an AMPA device of user over wireless network.

66. A system and method for defense ID-theft attack security service system in claim 65, wherein (a) said business service system further comprising:

deleting receipt data in system database of service system said business service system; and

canceling purchasing transaction with said an AMPA device of user.

67. A system and method for defense ID-theft attack security service system in claim 65, wherein (b) said an AMPA device of user further comprising:

purchasing goods or service with merchant online or by telephone again or canceling purchasing goods or service.

68. A system and method for defense ID-theft attack security service system for receiving message said receipt data from service system said bank service system said payee'"'"'s bank service system and responding message are made by of an AMPA device of user and comprising:

receiving receipt information from service system said bank service system said payee'"'"'s bank service system to verify whether said receipt information is valid according to purchases transaction events; and

issuing identification information;

based on identification information to issue respond type;

based on respond type to responding receipt information to third service system;

wherein purchase transaction events further comprising;

(a) really purchase goods or service events;

(b) returns purchasing goods or service to merchant events; and

(c) without customer said an AMPA device knowledge to purchase goods or service events.

69. A system and method for defense ID-theft attack security service system in claim 68, wherein said identification information further comprising after step (a):

said valid receipt.

70. A system and method for defense ID-theft attack security service system in claim 68, wherein said identification information further comprising after step (b):

said invalid receipt.

71. A system and method for defense ID-theft attack security service system in claim 68, wherein said identification information further comprising after step (c):

said invalid receipt.

72. A system and method for defense ID-theft attack security service system in claim 69, wherein said valid receipt further comprising:

being accepted to confirmed receipt data.

73. A system and method for defense ID-theft attack security service system in claim 70, wherein said invalid receipt further comprising:

being admitted to cancelled receipt data.

74. A system and method for defense ID-theft attack security service system in claim 71, wherein said invalid receipt further comprising:

being admitted to denied receipt data.

75. A system and method for defense ID-theft attack security service system in claim 72, wherein said confirmed receipt data further comprising:

responding message with said respond type said confirmed receipt data is transmitted from said an AMPA device of user to third service system.

76. A system and method for defense ID-theft attack security service system in claim 75, wherein said third service system further comprising:

(a) said bank service system said payee'"'"'s bank service system and (b) said security service system.

77. A system and method for defense ID-theft attack security service system in claim 76, wherein (a) said payee'"'"'s bank service system further comprising:

receiving responding message said confirmed receipt information from said an AMPA device of user instead of stored receipt data in system database said receipt database of service system said payee'"'"'s bank service system; and

transmitting said receipt data in receipt database of service system said payee'"'"'s bank service system to service system said insures service system.

78. A system and method for defense ID-theft attack security service system in claim 77, wherein said insures service system further comprising:

receiving receipt information said confirmed receipt information from service system said bank service system said payee'"'"'s bank service system is stored in system database said receipt database said receipt database (A) of said insures service system.

79. A system and method for defense ID-theft attack security service system in claim 76, wherein (b) said security service system further comprising:

utilizing a determination device as part of service system said security service system to receive message said confirmed receipt information from said an AMPA device of user; and

storing confirmed receipt information in system database said receipt database of service system said security service system;

utilizing a determination device as part of service system said security service system to identify whether receipt information said confirmed receipt information is valid according to system database said AMPA device identity database and said signature database in service system said security service system; and

issuing identification information;

transmitting message to third service system in order to identification information;

wherein third service system based on derived information said identification information to reflect operation;

wherein identification information further comprising;

(a) said valid confirmed receipt;

(b) said invalid confirmed receipt; and

(c) said resign signature information.

80. A system and method for defense ID-theft attack security service system in claim 79, wherein said security service system further comprising after step (a):

transmitting message with said valid confirmed receipt data to third service systems.

81. A system and method for defense ID-theft attack security service system in claim 79, wherein said security service system further comprising after step (b):

putting said AMPA device of user'"'"'s name in black list said black list database of service system said security service system and transmitting alert message with black list in black list database of service system said security service system to third service system.

82. A system and method for defense ID-theft attack security service system in claim 81, wherein said security service system further comprising after step (b):

transmitting message with said invalid confirmed receipt data to third service systems.

83. A system and method for defense ID-theft attack security service system in claim 79, wherein said security service system further comprising after step (c):

transmitting message said resign receipt information to customer said an AMPA device of user.

84. A system and method for defense ID-theft attack security service system in claim 80, wherein said third service system further comprising:

(a) said business service system and (b) said insures service system.

85. A system and method for defense ID-theft attack security service system in claim 84, wherein (a) said businesses service system further comprising:

receiving receipt information said valid confirmed receipt from service system said security service system; and

storing valid confirmed receipt data in system database said receipt database of service system said businesses service system.

86. A system and method for defense ID-theft attack security service system in claim 84, wherein (b) said insures service system further comprising:

receiving receipt data said confirmed receipt data from service system said security service system;

utilizing a determination device as part of service system said insures service system to identify whether stored receipt data in said receipt database said receipt database (A) is valid according to receive data said confirmed receipt information from said service system said security service system;

issuing identification information; and

based on identification information to reflect operation;

wherein identification information comprising;

(a) said valid receipt data; and

(b) said invalid receipt data.

87. A system and method for defense ID-theft attack security service system in claim 86, wherein said insures service system further comprising after step (a):

storing valid receipt data said receipt data in receipt database said receipt database (B) of service system said insures service system.

88. A system and method for defense ID-theft attack security service system in claim 86, wherein said insures service system further comprising after step (b):

transmitting complain message with invalid receipt data to service system said security service system.

89. A system and method for defense ID-theft attack security service system in claim 82, wherein said third service system further comprising:

(a) said payee'"'"'s bank service system;

(b) said business service system service system; and

(c) said an AMPA device of user.

90. A system and method for defense ID-theft attack security service system in claim 89, wherein (a) said payee'"'"'s bank service system further comprising:

receiving message said invalid confirmed receipt from service system said security service system; and

deleting receipt data from system database said receipt database of service system said payee'"'"'s bank service system.

91. A system and method for defense ID-theft attack security service system in claim 89, wherein (b) said business service system further comprising:

receiving message said invalid confirmed receipt from service system said security service system; and

deleting receipt data from system database said receipt database of service system said business service system.

92. A system and method for defense ID-theft attack security service system in claim 89, wherein (c) said an AMPA device of user further comprising:

receiving message said invalid confirmed receipt from service system said security service system; and

going to said service said register AMPA device service for solution problem.

93. A system and method for defense ID-theft attack security service system in claim 83, wherein said an AMPA device of user further comprising:

receiving message said resign receipt from service system said security service system and re-transmitting confirmed receipt data with resign signature to third service system.

94. A system and method for defense ID-theft attack security service system in claim 73, wherein said cancelled receipt information further comprising:

responding receipt information said cancelled receipt information is transmitting by said an AMPA device of user to third service system said payee'"'"'s bank service system;

95. A system and method for defense ID-theft attack security service system in claim 74, wherein said denied receipt information further comprising:

responding receipt information said denied receipt information is transmitting by said an AMPA device of user to third service system said payee'"'"'s bank service system.

134. A system and method for defense ID-theft attack security service system in claim 88, wherein said security service system further comprising:

receiving message said complain message with said invalid receipt data from service system said insures service system;

a determination device as part of service system said security service system identifies whether complain message is valid according to receipt data in system database said receipt database of service system said security service system;

issuing identification information;

transmitting message to third service system according to identification information;

wherein third service system based on derived message of service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid complain message; and

(b) invalid complain message.

135. A system and method for defense ID-theft attack security service system in claim 134, wherein said security service system further comprising after step (a):

transmitting message said valid complain message with receipt data to third service system said bank service system said payee'"'"'s bank service system.

136. A system and method for defense ID-theft attack security service system in claim 135, wherein said payee'"'"'s bank service system further comprising:

receiving message said valid complain message with receipt data from security service system;

storing receipt data in system database said receipt database instead of stored receipt data in receipt database of services system said payee'"'"'s bank service system;

retransmitting receipt data to service system said insures service system.

137. A system and method for defense ID-theft attack security service system in claim 134, wherein said security service system further comprising after step (b):

transmitting message said invalid complain message with receipt data to third service system said insures service system and said business service system.

138. A system and method for defense ID-theft attack security service system in claim 137, wherein said insures service system further comprising:

receiving message said invalid complain message with receipt data from security service system;

utilizing a determination device as part of service system said insures service system to recompare receipt data from service system with receipt data from service system said payee'"'"'s bank service system.

139. A system and method for defense ID-theft attack security service system in claim 137, wherein said business service system further comprising:

storing receiving message said receipt data from service system instead of stored receipt data in system database said receipt database of said service system said business service system.

96. A system and method for defense ID-theft attack security service system for receiving invalid receipt information from said at least one MPA device of user are made by at least one service system said bank service system said payee'"'"'s bank service system comprising:

receiving invalid receipt information from said an AMPA device of user; and

deleting data said receipt data in system database said receipt database of service system said payee'"'"'s banks service system; and

transmitting invalid receipt information to service system said business service system.

97. A system and method for defense ID-theft attack security service system in claim 96, wherein said business service system further comprising:

receiving invalid receipt information from service system said banks service system said payee'"'"'s bank service system;

utilizing a determination device as part of service system said business service system to verify whether invalid receipt information is valid according to data said receipt data in system database said receipt database of service system said business service system;

issuing identification information; and

based on identification information to reflect operation;

wherein identification information further comprising;

(a) said true invalid receipt information; and

(b) said false invalid receipt information;

98. A system and method for defense ID-theft attack security service system in claim 97, wherein said business service system further comprising after step (a):

deleting data said receipt data from system database said receipt database of service system said business service system;

99. A system and method for defense ID-theft attack security service system in claim 97, wherein said business service system further comprising after step (b):

transmitting messages said complain message with evidence about receipt information said receipt data in system database said receipt database of service system said business service system to service system said security service system.

145. A system and method for defense ID-theft attack security service system in claim 99, wherein said security service system further comprising:

receiving message said complain message said invalid denied or cancelled receipt data with evidence information from business service system investigating evidence information;

identifying whether complain message is valid according to evidence information during transaction process;

issuing identification information;

transmitting message to third service system according to identification information;

wherein third service system based on derived message of service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid complain message; and

(b) invalid complain message.

146. A system and method for defense ID-theft attack security service system in claim 145, wherein said security service system further comprising after step (a):

putting said customer said an AMPA device of user'"'"'s name in black list database; and

transmitting message said alert message appending to black list to third service system.

147. A system and method for defense ID-theft attack security service system in claim 145, wherein said security service system further comprising after step (b):

transmitting message said invalid complain message with denied data or cancelled data to third service system said business service system.

148. A system and method for defense ID-theft attack security service system in claim 147, wherein business service system further comprising:

receiving message said invalid complain message said valid denied or valid cancelled receipt data from service system said security service system; and

deleting receipt data in system database said receipt database of service system business service system.

100. A system and method for defense ID-theft attack security service system for dealing with no respond information from said an AMPA device of user;

initial at least one service system said bank service system said payee'"'"'s bank service system transmits receipt data to customer said an AMPA device of user and comprising;

transmitting receipt data with time T and waiting for respond information from said an AMPA device of user according to T be less than maximum T with no respond information;

transmitting receipt data to service system said security service system according to T be less then maximum T with no respond information.

101. A system and method for defense ID-theft attack security service system in claim 100, wherein said security service system comprising:

transmitting receipt data with time T and wait for respond information from said an AMPA device of user according to T be less than maximum T with no respond information;

putting said an AMPA device of user'"'"'s name in black list said black list database according to T be great then maximum T with no respond information; and

transmitting alert message appending to black list to third service system according T be great then maximum T with no respond information.

102. A system and method for defense ID-theft attack security service system for purchasing of goods or service with credit card identity and assuring payment to bank said payee'"'"'s bank is made by a customer said an AMPA device of user;

said credit card information is provided by service system said bank service system said payee'"'"'s bank service system and comprising;

transmitting said statement in addition to said total current charge to at least one customer said AMPA device over wireless network;

wherein said an AMPA device of user further comprising;

receiving said statement from service system said bank service system said payee'"'"'s bank service system to verify whether total current charge is valid according to stored said total current charge information in electrical file said Total Charge File;

issuing identification information; and

based on derived identification information to reflect operation;

wherein said identification information comprising;

(a) said valid statement; and

(b) said invalid statement.

103. A system and method for defense ID-theft attack security service system in claim 102, wherein said an AMPA device of user further comprising after step (a):

transmitting message appending to digital image data said Electrical Text said Electrical Payment Check to third service systems.

104. A system and method for defense ID-theft attack security service system in claim 102, wherein said an AMPA device of user further comprising after step (b):

transmitting a message said complain message with invalid statement to third service system said security service system.

105. A system and method for defense ID-theft attack security service system in claim 103, wherein third service systems further comprising:

(a) said payer'"'"'s bank service system;

(b) said payee'"'"'s bank service system and (b) said security service system.

106. A system and method for defense ID-theft attack security service system in claim 105, wherein (a) said payer'"'"'s bank service system further comprising:

receiving digital image data said Electrical Text said Electrical Payment Check from said an AMPA device of user; and

storing digital image data said Electrical Text said Electrical Payment Check in system database said payment database said payment database (A) of service system said bank service system said payer'"'"'s bank service system.

107. A system and method for defense ID-theft attack security service system in claim 105, wherein (b) said payee'"'"'s bank service system further comprising:

receiving digital image data said Electrical Text said Electrical Payment Check from said an AMPA device of user; and

storing digital image data said Electrical Text said Electrical Payment Check in system database said payment database of service system said bank service system said payee'"'"'s bank service system; and

retransmitting digital image data said Electrical Text said Electrical Payment Check of said an AMPA device of user to service system said bank service system said payer'"'"'s bank service system for deposit funds.

108. A system and method for defense ID-theft attack security service system in claim 107, wherein said payer'"'"'s bank service system further comprising:

receiving digital image data said Electrical Text said Electrical Payment Check from service system said payee'"'"'s bank service system; and

storing in system database said payment database said payment database (B) of service system said bank service system said payer'"'"'s bank service system;

109. A system and method for defense ID-theft attack security service system in claim 105, wherein (c) said security service system comprising:

utilizing a determination device as a part of service system said security service system to receive digital image data said Electrical Text said Electrical Payment Check from said an AMPA device of user;

utilizing a determination device as a part of service system said security service system to identify whether digital image data said Electrical Text said Electrical Payment Check is valid;

issuing identification information; and

transmitting message to third service systems in order to identification information;

Wherein third service systems based on the empirically derived information said message from service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid digital image data said Electrical Text said Electrical Payment Check;

(b) said invalid digital image data said Electrical Text said Electrical Payment Check; and

(c) said resign signature in digital image data said Electrical Text said Electrical Payment Check.

110. A system and method for defense ID-theft attack security service system in claim 109, wherein said security service system further comprising after step (a):

transmitting message with said valid said Electrical Payment Check to service system said bank service system said payer'"'"'s bank service system.

111. A system and method for defense ID-theft attack security service system in claim 109, wherein said security service system further comprising after step (b):

transmitting message with invalid Electrical Payment Check to third service system.

112. A system and method for defense ID-theft attack security service system in claim 109, wherein said security service system further comprising after step (c):

transmitting resign signature in said Electrical Text said Electrical Payment Check to customer said an AMPA device of user.

113. A system and method for defense ID-theft attack security service system in claim 110, wherein said payer'"'"'s bank service system further comprising:

utilizing a determination device as part of service system said bank service system said payer'"'"'s bank service system to receive digital image data said Electrical Payment Check (EPC) information from service systems said security service system;

storing digital image data said Electrical Payment Check (EPC) information from service systems said security service system in system database said payment database said payment database (C); and

a determination device as part of service system said bank service system said payer'"'"'s bank service system compares stored digital image data said Electrical Text said Electrical Payment Check(EPC) in system database said payment database said payment database(A) with Electrical Payment Check(EPC) in said payment database(B) and Electrical Payment Check(EPC) in said payment database(C);

issuing identification information;

based on derived identification information to reflect operation;

wherein said identification information further comprising;

(a) valid Electrical Payment Check(EPC); and

(b) invalid Electrical Payment Check(EPC).

114. A system and method for defense ID-theft attack security service system in claim 113, wherein said payer'"'"'s bank service system further comprising after step (a):

transferring funds from personal bank account of customer said an AMPA device of user to account of bank said payee'"'"'s bank.

115. A system and method for defense ID-theft attack security service system in claim 113, wherein said payer'"'"'s bank said payer'"'"'s bank service system further comprising after step (b):

transmitting complain message with invalid Electrical Payment Check (EPC) to third service system said security service system.

116. A system and method for defense ID-theft attack security service system in claim 111, wherein third service system further comprising:

(a) said payer'"'"'s bank service system;

(b) said payee'"'"'s bank service system; and

(c) said an AMPA device of user.

117. A system and method for defense ID-theft attack security service system in claim 116, wherein said payer'"'"'s bank service system further comprising:

receiving invalid digital image data said Electrical Text said Electrical Payment Check from service system said security service system; and

deleting digital image data said Electrical Text said Electrical Payment Check in system database said payment database (A), and said payment database (B) of service system said bank service system said payer'"'"'s bank service system.

118. A system and method for defense ID-theft attack security service system in claim 116, wherein (b) said payee'"'"'s bank service system further comprising:

receiving invalid Electrical Text said Electrical Payment Check from service system said security service system; and

deleting digital image data said Electrical Text said Electrical Payment Check in system database said payment database of service system said payee'"'"'s bank service system.

119. A system and method for defense ID-theft attack security service system in claim 116, wherein (c) said an AMPA device of user further comprising:

receiving invalid Electrical Text said Electrical Payment Check from service system said security service system; and

deleting sent Electrical Payment Check in Sent EPC file in memory of said AMPA device; and

going to service said register an AMPA device service for solution problem.

120. A system and method for defense ID-theft attack security service system in claim 112, wherein said an AMPA device of user further comprising:

receiving invalid Electrical Text said Electrical Payment Check from service system said security service system;

resigning signature in digital image data said Electrical Text said Electrical Payment Check; and

retransmitting digital image data said Electrical Text said Electrical Payment Check to third service system again.

129. A system and method for defense ID-theft attack security service system in claim 104, wherein said security service system further comprising:

receiving message said complain message with said invalid statement from said at least one AMPA device of user;

a determination device as part of service system said security service system identifies whether complain message is valid according to system database said receipt database of service system said security service system;

issuing identification information;

transmitting message to third service system according to identification information;

wherein third service system based on derived message of service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid complain message; and

(b) invalid complain message.

130. A system and method for defense ID-theft attack security service system in claim 129, wherein said security service system further comprising after step (a):

transmitting message said valid complain message to third service system said bank service system said payee'"'"'s bank service system.

131. A system and method for defense ID-theft attack security service system in claim 130, wherein said payee'"'"'s bank service system further comprising:

receiving message said valid complain message from service system said security service system;

recalculating total current charge fee; and

retransmitting statement to customer said an AMPA device of user.

132. A system and method for defense ID-theft attack security service system in claim 129, wherein said security service system further comprising after step (b):

transmitting message said invalid complain message to customer said an AMPA device of user.

133. A system and method for defense ID-theft attack security service system in claim 132, wherein said an AMPA device of user further comprising:

receiving message said invalid complain message from service system said security service system;

creating digital image data said Electrical Text said Electrical Payment Check; and

transmitting digital image data said Electrical Text said Electrical Payment Check for payment to third service system.

121. A system and method for defense ID-theft attack security service system for providing credit cards to customers said AMPA device of users for purchasing goods or service are made by at least one service system said bank service system said payee'"'"'s bank service system;

for providing portable device to customers said AMPA device of users for purchasing goods or service are made by at least one service system said insures service system;

for utilizing system said service system said business service system to offer goods or service are made by merchant;

at least one bank service system said payee'"'"'s bank service system ensures payment check to at least one service system said insures service system according to receipt data in service system database said receipt database of service system said bank service system said payee'"'"'s bank service system and comprising;

utilizing a acquisition device as part of service system said bank service system said payee'"'"'s bank service system to acquire payment to sum receipt data according to receipt data in system database said receipt database of service system said bank service system said payee'"'"'s bank service system for each customer said AMPA device of user each month;

acquiring payment data are stored in system database said payment database of service system said bank service system said payee'"'"'s bank service system;

transmitting payment check to at least one service system said insures service system according to system database said payment database of service system said bank service system said payee'"'"'s bank service system.

122. A system and method for defense ID-theft attack security service system in claim 121, wherein said insures service system further comprising:

utilizing a determination device as part of service system said insures service system to receive payment check from service system said bank service system said payee'"'"'s bank service system; and

utilizing a determination device as part of service system said insures service system to audit whether payment check is valid according to receipt data in system database said receipt database of service system said insures service system; and

issuing identification information;

based one derived identification information to reflect operation;

wherein identification information further comprising;

(a) said valid payment; and

(b) invalid payment.

123. A system and method for defense ID-theft attack security service system in claim 122, wherein said insures service system further comprising after step (a):

storing payment check in system database said payment database of service system said insures service system.

124. A system and method for defense ID-theft attack security service system in claim 122, wherein said insures service system further comprising after step (b):

transmitting complain message with invalid payment to third service system said security service system.

140. A system and method for defense ID-theft attack security service system in claim 124, wherein said security service system further comprising:

receiving message said complain message with said invalid payment from service system said insures service system;

a acquisition device as part of service system said security service system acquires payment to sum receipt data according to system database said receipt database; and

storing acquires payment data in system database said payment database;

a determination device as part of service system said security service system identifies whether complain message said invalid payment is valid according to system database said payment database solution problem during payment process between insurant and the bank said payee'"'"'s bank;

issuing identification information;

transmitting message to third service system according to identification information;

wherein third service system based on derived message of service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid complain message;

(b) invalid complain message.

141. A system and method for defense ID-theft attack security service system in claim 140, wherein said security service system further comprising after step (a):

transmitting message said valid complain message with payment data to third service system said payee'"'"'s service system.

142. A system and method for defense ID-theft attack security service system in claim 141, wherein said payee'"'"'s service system further comprising:

receiving message said valid complain message with payment data from security service system;

recalculating payment data; and

retransmitting payment check to third service system said insures service system.

143. A system and method for defense ID-theft attack security service system in claim 140, wherein said security service system further comprising after step (b):

transmitting message said invalid complain message with payment data to third service system said insures service system.

144. A system and method for defense ID-theft attack security service system in claim 143, wherein said insures service system further comprising:

receiving message said invalid complain message with payment data from security service system; and

storing payment data in service system database said payment database of service system said insures service system.

125. A system and method for defense ID-theft attack security service system for providing at least one portable device said AMPA device with unique device identity said AMAP identity to customer said AMPA device for purchasing goods or service with said merchant are made by at least one service system said insures service system;

said merchants utilize business service system to offer goods or service to customers said AMPA device of users;

said insurants charge service fee from merchants and assures payment to merchant according to receipt data of customer said an AMAP device of user in service system database said receipt database of service system said insures service system and comprising;

utilizing a acquisition device as part of service system said insures service system to acquire payment data to subtract service fee from receipt data of each customer said AMPA device of user according to system database said receipt database of service system said insures service system;

acquiring payment data is stored in system database said payment database of service system said insures service system;

transmitting payment check to service system said business service system according to payment data in system database said payment database of service system said insures service system.

126. A system and method for defense ID-theft attack security service system in claim 125, wherein said business service system further comprising:

utilizing a determination device as part of service system said business service system to receive payment check from service system said insures service system; and

utilizing a determination device as part of service system said business service system to audit whether payment is valid according to receipt data in system database said receipt database of service system said business service system; and

issuing identification information;

based on derived identification information to reflect operation;

wherein identification information further comprising;

(a) said valid payment; and

(b) invalid payment.

127. A system and method for defense ID-theft attack security service system in claim 126, wherein said business service system further comprising after step (a):

storing payment check in system database said payment database of service system said business service system.

128. A system and method for defense ID-theft attack security service system in claim 126, wherein said business service system further comprising after step (b):

transmitting complain message with invalid payment to third service system said security service system.

149. A system and method for defense ID-theft attack security service system in claim 128, wherein said security service system further comprising:

receiving message said complain message with said invalid payment from service system said business service system;

a acquisition device as part of service system said security service system acquires payment to sum receipt data according to system database said receipt database;

storing acquires payment data in system database said payment database;

a determination device as part of service system said security service system identifies whether complain message is valid according to system database said payment database during payment process between insurant and merchant;

issuing identification information;

transmitting message to third service system according to identification information;

wherein third service system based on derived message of service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid complain message; and

(b) invalid complain message.

150. A system and method for defense ID-theft attack security service system in claim 149, wherein said security service system further comprising after step (a):

transmitting message said valid complain message with payment data to third service system said insures service system.

151. A system and method for defense ID-theft attack security service system in claim 150, wherein said insures service system further comprising:

receiving message said valid complain message with payment data from said security service system; and

storing payment data to instead of stored payment data in system database said payment database of service system said insures service system; and

retransmitting payment check to third service system said business service system.

152. A system and method for defense ID-theft attack security service system in claim 149, wherein said security service system further comprising after step (b):

transmitting message said invalid complain message with payment data to third service system said business service system

153. A system and method for defense ID-theft attack security service system in claim 152, wherein said business service system further comprising:

receiving message said invalid complain message with payment data from service system said security service system; and

storing payment data in system database said payment database of service system said business service system.

154. A system and method for defense ID-theft attack security service system for dealing with black list in system database said black list database is made by service system said security service system and comprising:

reducing credits degree of an AMPA device of user according to system database said black list database;

transmitting a message said alert message appending said black list according to system database said black list database to third service system;

wherein third service system based on derived alert message to reflect operation.

155. A system and method for defense ID-theft attack security service system in claim 154, wherein third service system further comprising:

(a) said at least one bank service system said payee'"'"'s bank service system;

(b) said at least one bank service system said payer'"'"'s bank service system; and

(c) said at least one insures service system and (d) said at least one AMPA device of user who is name in black list.

156. A system and method for defense ID-theft attack security service system in claim 155, wherein (a) said payee'"'"'s bank service system further comprising:

receiving alert message with back list from service system said security service system;

deleting credit card information of an AMPA device of user from system database said credit card database according to name in black list;

release the credit card identity of an AMPA device of user according to name in black list.

157. A system and method for defense ID-theft attack security service system in claim 155, wherein (b) said payer'"'"'s bank service system further comprising:

receiving alert message with back list from service system said security service system;

suspending payment check of an AMPA device of user according to name in black list;

suspending withdrawal check of an AMPA device of user according to name in black list.

158. A system and method for defense ID-theft attack security service system in claim 155, wherein (c) said insures service system further comprising:

receiving alert message with back list from service system said security service system;

deleting AMPA identity of an AMPA device of user from system database said AMPA identity database according to name in black list;

release the AMPA identity of an AMPA device of user according to name in black list.

159. A system and method for defense ID-theft attack security service system in claim 155, wherein (d) said an AMPA device of user further comprising:

receiving alert message with back list from service system said security service system; and

going to service said register AMPA device service for solution problem.

160. A system and method for defense ID-theft attack security service system for withdrawal money with personal bank account is made by an AMPA device of user using ATM machine said Changing ATM machine;

said Changing ATM machine is provided by bank service system said payer'"'"'s bank service system and comprising;

initiating a withdrawing session with a customer said an AMPA device of user at a ATM machine said Changing ATM machine;

wherein said an AMPA device of user further comprising;

utilizes an embodiment device said a host interface of an AMPA device to connect with another one host interface of ATM machine said Changing ATM machine via a cable; and

utilizing an AMPA device with software processing to create digital image data said Electrical Text said Electrical WithDrawal (EWD);

transmitting digital image data said Electrical Text said Electrical WithDrawal (EWD) to service system said bank service system said payer'"'"'s bank service system via cable said over wired communication;

also transmitting digital image data said Electrical Text said Electrical WithDrawal (EWD) to service system said security service system over wireless network;

saving digital image data said Electrical Text said Electrical WithDrawal (EWD) in Sent File in memory of portable device said an AMAP device.

161. A system and method for defense ID-theft attack security service system in claim 160, wherein said payer'"'"'s bank service system further comprising:

receiving digital image data said Electrical Text said Electrical WithDrawal (EWD) from a withdrawer said an AMPA device of user at ATM machine said Changing ATM machine over wired communication; and

storing digital image data said Electrical Text said Electrical WithDrawal (EWD) in system database said withdrawal database said withdrawal database (A) of service system said bank service system said payer'"'"'s bank service system.

162. A system and method for defense ID-theft attack security service system in claim 160, wherein said security service system further comprising:

utilizing a determination device as part of service system said security service system to receive digital image data said Electrical Text said Electrical WithDrawal (EWD) from a withdrawer said an AMPA device of user over wireless network; and

utilizing a determination device as part of service system said security service system to identify whether EWD is valid according to digital data in service system database said AMPA identity database and said signature identity database of service system said security service system;

issuing identity information;

based on identity information to transmit message to third service system;

wherein third service system based on derived identity information said message from security service system to reflect operation;

wherein issuing identity information further comprising;

(a) valid EWD;

(b) invalid EWD; and

(c) resign signature in EWD.

163. A system and method for defense ID-theft attack security service system in claim 162, wherein said security service system further comprising after step (a):

transmitting message with valid EWD to third service system said bank service system said payer'"'"'s bank service system over wired network.

164. A system and method for defense ID-theft attack security service system in claim 163, wherein said payer'"'"'s bank service system further comprising:

utilizing a determination device as a part of service system said bank service system said payer'"'"'s bank service system to receive message said valid EWD from security service system; and

storing digital image data said Electrical Text said Electrical WithDrawal (EWD) in system database said withdrawal database said withdrawal database (B) of service system said bank service system said payer'"'"'s bank service system;

utilizing a determination device as a part of service system said bank service system said payer'"'"'s bank service system to compare digital image data said Electrical Text said Electrical WithDrawal (EWD) in system database said withdrawal database said withdrawal database (A) and said withdrawal database (B) of service system said bank service system said payer'"'"'s bank service system;

issuing identity information;

based on identity information to reflect operation;

wherein issuing identity information further comprising;

(a) valid EWD; and

(b) invalid EWD.

165. A system and method for defense ID-theft attack security service system in claim 164, wherein said payer'"'"'s bank service system further comprising after step (a):

withdrawing money from bank account of withdrawer said an AMPA device of user to ATM machine said Changing ATM machine; and

transmitting message said receipt data with EWD informant to withdrawer said an AMPA device of user over wired communication.

166. A system and method for defense ID-theft attack security service system in claim 165, wherein said an AMPA device of user further comprising:

taking money from an embodiment device said output of ATM machine said Changing ATM machine;

receiving message said receipt data with EWD; and

utilizing a determination device as part of an said AMPA device to identify whether EWD is valid according to Sent EWD File in memory of said an AMPA device of user;

issuing identify information;

based on identify information to reflection operation.

167. A system and method for defense ID-theft attack security service system in claim 164, wherein said payer'"'"'s bank service system further comprising after step (b):

transmitting (a) message appending invalid EWD to service system said security service system over wired network; and

transmitting (b) message appending invalid EWD to withdrawer said an AMPA device of user over wired communication.

168. A system and method for defense ID-theft attack security service system in claim 167, wherein (a) said security service system further comprising:

receiving massage said invalid EWD from service system said bank service system said payer'"'"'s bank service system over wired network; and

deleting withdrawal data in system database said withdrawal database of service system said security service system.

169. A system and method for defense ID-theft attack security service system in claim 167, wherein (b) said an AMPA device of user further comprising:

receiving massage said invalid EWD from service system said bank service system said payer'"'"'s bank service system over wired communication;

deleting EWD data in Sent EWD File in memory of an AMPA device of user; and

recreates digital image data said Electrical Text said EWD using software with an AMPA device of user;

retransmitting digital image data said Electrical Text said EWD to third service system.

170. A system and method for defense ID-theft attack security service system in claim 162, wherein said security service system further comprising after step (b):

putting customer said an AMPA device of user'"'"'s name in system database said black list database of service system said security service system; and

transmitting a alert message appending to black list to third service system.

171. A system and method for defense ID-theft attack security service system in claim 162, wherein said security service system further comprising after step (c):

transmitting message with resign signature information to a withdrawer said an AMPA of user over wireless network.

172. A system and method for defense ID-theft attack security service system in claim 171, wherein an AMPA device of user further comprising:

resigns signature in digital image data said Electrical Text said EWD and retransmits to bank service system said payer'"'"'s bank service system and security service system.

173. A system and method for defense ID-theft attack security service system for receiving message said receipt data said withdrawal data from service system said bank service system said payer'"'"'s bank service system and responding message are made by of an AMPA device of user and comprising:

receiving receipt information said withdrawal information from service system said bank service system said payer'"'"'s bank service system to verify whether said receipt information said withdrawal information is valid according to withdrawal events; and

issuing identification information;

according to identification information to issue respond type;

based on respond type to responding receipt information to third service system;

wherein withdrawal events further comprising;

(a) really withdrawal events; and

(b) without customer said an AMPA device knowledge events.

174. A system and method for defense ID-theft attack security service system in claim 173, wherein said identification information further comprising after step (a):

said valid withdrawal.

175. A system and method for defense ID-theft attack security service system in claim 173, wherein said identification information further comprising after step (b):

said invalid withdrawal.

176. A system and method for defense ID-theft attack security service system in claim 174, wherein said valid withdrawal further comprising:

being admitted to confirmed withdrawal data.

177. A system and method for defense ID-theft attack security service system in claim 175, wherein said invalid withdrawal further comprising:

being admitted to denied withdrawal data.

178. A system and method for defense ID-theft attack security service system in claim 176, wherein confirmed withdrawal data further comprising:

responding message with said respond type said confirmed withdrawal data is transmitted from said an AMPA device of user to third service system.

179. A system and method for defense ID-theft attack security service system in claim 178, wherein said third service system further comprising:

(a) said payer'"'"'s bank service system and (b) said security service system.

180. A system and method for defense ID-theft attack security service system in claim 179, wherein (a) said payer'"'"'s bank service system further comprising:

receiving responding message said confirmed withdrawal information said confirmed withdrawal data from said an AMPA device of user instead of stored withdrawal data in system database said withdrawal database of service system said payer'"'"'s bank service system.

181. A system and method for defense ID-theft attack security service system in claim 179, wherein (b) said security service system further comprising:

utilizing a determination device as part of service system said security service system to receive message said confirmed withdrawal information from said an AMPA device of user; and

storing confirmed withdrawal information in system database said withdrawal database of service system said security service system;

utilizing a determination device as part of service system said security service system to identify whether receipt information said confirmed withdrawal information is valid according to system database said AMPA device identity database and said signature database in service system said security service system; and

issuing identification information;

transmitting message to third service system in order to identification information;

wherein third service system based on derived information said identification information to reflect operation;

wherein identification information further comprising;

(a) said valid confirmed withdrawal;

(b) said invalid confirmed withdrawal; and

(c) said resign signature information.

182. A system and method for defense ID-theft attack security service system in claim 181, wherein said security service system further comprising after step (a):

saving valid confirmed withdrawal data from customer said AMPA device of user in system database said withdrawal database of service system said security service system.

183. A system and method for defense ID-theft attack security service system in claim 181, wherein said security service system further comprising after step (b):

putting said AMPA device of user'"'"'s name in black list said black list database of service system said security service system and transmitting alert message with black list in black list database of service system said security service system to third service system.

184. A system and method for defense ID-theft attack security service system in claim 181, wherein said security service system further comprising after step (c):

transmitting message said resign withdrawal information to said an AMPA device of user.

185. A system and method for defense ID-theft attack security service system in claim 184, wherein an AMPA device of user further comprising:

receiving message said resign withdrawal from service system said security service system and retransmitting confirmed receipt data with resign signature to third service system.

186. A system and method for defense ID-theft attack security service system in claim 177, wherein denied withdrawal information further comprising:

responding withdrawal information said denied withdrawal information is transmitting by said an AMPA device of user to third service system said payer'"'"'s bank service system.

187. A system and method for defense ID-theft attack security service system in claim 186, wherein said payer'"'"'s bank service system further comprising:

receiving denied withdrawal message from said an AMPA device of user;

utilizing a determination device as part of service system said bank service system said payer'"'"'s bank service system to verify whether denied withdrawal is valid according to data said withdrawal data in system database said withdrawal database of service system said bank service system said payer'"'"'s bank service system;

issuing identification information; and

according to identification information to reflect operation;

Wherein identification information further comprising;

(a) said valid denied withdrawal information; and

(b) said invalid denied withdrawal information;

188. A system and method for defense ID-theft attack security service system in claim 187, wherein said payer'"'"'s bank service system further comprising after step (a):

deleting data said withdrawal data from system database said withdrawal database of service system said bank service system said payer'"'"'s bank service system;

189. A system and method for defense ID-theft attack security service system in claim 187, wherein said payer'"'"'s bank service system further comprising after step (b):

transmitting messages said complain message with evidence about withdrawal information said withdrawal data in system database said withdrawal database of service system said payer'"'"'s bank service system to service system said security service system.

192. A system and method for defense ID-theft attack security service system in claim 189, wherein said security service system further comprising:

receiving message said complain message with said invalid denied withdrawal data from service system said bank service system said payer'"'"'s bank service system;

a determination device as part of service system said security service system identifies whether complain message is valid according to withdrawal data in system database said withdrawal database of service system said security service system;

issuing identification information;

transmitting message to third service system according to identification information;

wherein third service system based on derived message of service system said security service system to reflect operation;

wherein identification information comprising;

(a) said valid complain message; and

(b) invalid complain message.

193. A system and method for defense ID-theft attack security service system in claim 192, wherein said security service system further comprising after step (a):

putting said customer said an AMPA device of user'"'"'s name in black list database; and

transmitting message said alert message appending to black list to third service system.

194. A system and method for defense ID-theft attack security service system in claim 192, wherein said security service system further comprising after step (b):

transmitting message said invalid complain message with denied withdrawal data to third service system said bank service system said payer'"'"'s bank service system.

195. A system and method for defense ID-theft attack security service system in claim 194, wherein payer'"'"'s bank service system further comprising:

receiving message said invalid complain message said valid denied withdrawal data from said security service system; and

deleting withdrawal data in system database said withdrawal database of service system said bank service system said payer'"'"'s bank service system.

190. A system and method for defense ID-theft attack security service system for dealing with no respond information from said an AMPA device of user is at least one service system said bank service system said payer'"'"'s bank service system and comprising:

transmitting receipt data said withdrawal data with time T and wait for respond information said withdrawal data from said an AMPA device of user according to T be less than maximum T with no respond information;

transmitting receipt data said withdrawal data to service system said security service system according to T be great then maximum T with no respond information.

191. A system and method for defense ID-theft attack security service system in claim 190, wherein said security service system comprising:

transmitting receipt data said withdrawal data with time T and wait for respond information from said an AMPA device of user according to T be less than maximum T with no respond information;

putting said an AMPA device of user'"'"'s name in black list said black list database according to T be great then maximum T with no respond information; and

transmitting alert message appending to black list to third service system according T be great then maximum T with no respond information.